FCA Car Finance Redress Scheme

You're owed money.
Let's get it back.

The FCA found unfair commission deals on millions of UK car finance agreements between 2007 and 2024. Total redress: £7.5 billion.

SARTastic generates the right legal letter to every lender you choose — in one click. Free.

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If you complain before the scheme starts, your case will be assessed, and any compensation paid, sooner.

— Financial Conduct Authority, fca.org.uk

All lenders, one click

Had finance with multiple companies? Pick them all at once. We generate a separate letter for each — addressed to the right team at each lender.

No paperwork needed

You don't need your finance agreements. Just your name, date of birth, and address history — that's enough for the lender to find your records. Hold the docs in reserve.

You keep 100%

Claims companies take 40-48% of any compensation — typically £640+ per claim. SARTastic is free, or £17.99/month for AI response analysis. You keep every penny.

Pick Your Lenders

Select every car finance company you've ever had an agreement with, even if you can't remember the details. We'll find the right entity for every brand.
22 lenders covering 242+ brands.

0 selected

You'll create a free account next. Takes under a minute. Your selections are remembered.

How it works

1

Pick the lenders you've used

One click per lender. We've done the homework on every brand — Audi, BMW, Mini, Land Rover, Vauxhall, all of them.

2

Add minimal details

Name, date of birth, address history. That's it. You don't need finance papers — your lender can find you with this.

3

We send the right letter to the right team

Each lender has set up a dedicated FCA-redress complaint inbox. We've collected them all. Your letter goes straight to the people handling these claims.

4

Track responses & decide your next move

Lenders have 30 days to respond. We track every deadline. When responses arrive, you choose what to do next — chase, escalate to the FCA Ombudsman, or accept the offer.

Why now?

The FCA's investigation found that car finance companies often paid dealers extra commission to set higher interest rates — without telling you. If that happened to you, you may be due thousands.

The deadlines that matter

DateWhat happens
31 May 2026
41 days 		Complaint handling pause lifts. Lenders must respond again.
30 Jun 2026
71 days 		Redress scheme starts for loans from 1 April 2014.
31 Aug 2026
133 days 		Redress scheme starts for loans 6 April 2007 – 31 March 2014.
30 Nov 2026
224 days 		Lenders must respond to August complainants.
31 Aug 2027
498 days 		Final deadline for unsolicited complaints.

People who already complained will be paid first. The longer you wait, the longer you queue.

Stop letting them keep your money.

Your lender wrote the cheque already — Lloyds alone has set aside £450 million for this. Make sure some of it has your name on it.

Pick Your Lenders